Do I need insurance for my Airbnb property, and what type of coverage should I consider?

Insurance For My AirBnB Property

Yes, it is important to have the right rental insurance for your Airbnb property. While Airbnb offers Host Protection Insurance and Host Guarantee programmes, they have limitations and may not cover all potential risks. It’s important to review your existing insurance policies and consider additional coverage specific to short-term rentals. Here are some types of insurance to consider.

Liability Insurance

Liability insurance protects you if a guest or visitor is injured on your property and you are held responsible. It can cover legal costs, medical expenses, and any potential damages awarded in a liability lawsuit. Make sure that your liability insurance includes coverage for short stay rentals and is adequate for the risks associated with hosting guests at your property.

Property Insurance

Property insurance provides coverage for damage to your property caused by covered risks such as fire, vandalism, theft, or natural disasters. Standard homeowner’s insurance may not cover short stay rentals, so it’s important to inform your insurance provider about your plans to rent out your property on Airbnb. They can advise you on the appropriate coverage options or recommend specialised short stay rental insurance policies.

Contents Insurance

Contents insurance covers the contents of your Airbnb property. This includes furniture, appliances, electronics, and other personal items that you make available to guests. Make sure your contents insurance covers the specific risks associated with short stay rentals, such as damage or theft by guests.

Business Interruption Insurance

Business interruption insurance provides coverage for loss of income if your Airbnb property becomes uninhabitable due to covered risks, such as fire or flood. It reimburses you for the income you would have earned during the period of necessary repairs or renovations.

Guest Damage Insurance

Some insurance providers offer special policies that cover damage caused by guests during their stay. This coverage can help protect you from the cost of repairing or replacing damaged items.

Airbnb Host Protection Insurance

Airbnb’s Host Protection Insurance provides limited coverage for liability claims made by guests or third parties for bodily injury or property damage during their stay. However, it’s important to carefully review the terms and conditions of this coverage to understand its limitations and exclusions.

Understand The Terms And Conditions

Remember to carefully read and understand the terms and conditions of any insurance policy you are considering, including coverage limits, exclusions, deductibles, and filing procedures. Insurance requirements may vary depending on your location, so consult with a licensed insurance professional who specialises in short stay rentals to ensure you have adequate coverage for your Airbnb property.

Leading Rental Insurance Companies

One of Australia’s leading rental insurance companies is Terri Scheer They provide cover for tenant-related risks, including damage or loss to your building and contents while a tenant stays at your holiday rental or short stay rental property.

Airbnb Guest Cleaners in The Gold Coast Provided By Holiday Property Service

Experience a hassle-free approach to managing the cleaning of your AirBnB short stay rental with our comprehensive services. Holiday Property Service are specialists in Brisbane holiday home accommodation cleaning, Gold Coast holiday home accommodation cleaning, as well as throughout southeast Queensland.

Contact Us

Call now and let’s chat about your AirBnB accommodation cleaning and short stay hire linen requirements, as well as your need for guest consumables and supplies:
1300 477 937 or

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